Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 61–73 results in Orlando, FL metro
- 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 60-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Not listed on the main CD rates landing page.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Membership and eligibility requirements apply. Fees may reduce earnings. Penalties may apply for withdrawal of funds before maturity.
2.96% interest rate
Rate checked
More details - 2.69%APY$337 over 15 months on $10,000
Requirements
Product: May increase the interest rate one time during the term if the Bank's rate for the same term Flex CD increases. Additional deposits permitted in increments of $100 up to one-half of the initial principal balance. One withdrawal of up to one-half of initial principal balance permitted without penalty during the term. Early withdrawals exceeding one-half initial principal or after the first withdrawal are subject to a penalty of 90 days' interest. If withdrawn within first 90 days, penalty may reduce principal. Automatically renews to standard 12-month CD at maturity unless withdrawn within 10 days.
Offer: Rate increase option: may increase the rate one time during the term if Bank's rate increases. Make additional deposits up to one-half of initial principal balance.
Rate checked
More details - 2.55%APY$255 over 1 year on $10,000
Requirements
Product: e-CD account opened online. Fixed interest for term of CD. Early withdrawal penalty applies and automatic renewal at maturity.
2.52% interest rate · Effective Dec 17, 2025
Rate by balance
Rate by balance for e-CD Balance APY Up to $100,000Your amount 2.55% $100,000 and up 3.05% Rate checked
More details - 2.52%APY$1,047 over 48 months on $10,000intro rate
Requirements
Product: Minimum $1,000 deposit to open any Certificate of Deposit (CD) other than promotional offers. Dividends are compounded and credited to share certificate quarterly. Yield assumes earned dividends are kept on deposit in share certificate until maturity date.
2.50% interest rate · Effective Sep 1, 2026
Rate checked
More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 43 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.50%APY$100 over 8 months on $10,000
Requirements
Product: Lock in a fixed interest rate from account opening through maturity. Available online for personal deposit account opening to U.S. citizens age 18 and above who reside in the United States. Maintain a minimum balance of initial CD deposit amount each day to obtain APY.
Offer: Maintain initial CD deposit amount in account each day to obtain APY.
1.50% interest rate · Effective Oct 6, 2025
Rate checked
More details - 0.55%APY$222 over 48 months on $10,000intro rate
Requirements
Product: Certificates of Deposit earn a fixed interest rate compounded daily and paid monthly. Early withdrawals are subject to penalty. Personal minimum opening balance is $2,000.
Promotional rate · 0.55% interest rate · Compounded daily · Effective Mar 1, 2026
Rate checked
More details - 0.30%APY$151 over 60 months on $10,000
Requirements
Product: Penalty for early withdrawal. Accounts automatically renew for similar term upon maturity. Fees may reduce earnings.
Offer: Penalty for early withdrawal. Fees may reduce earnings.
0.30% interest rate
Rate checked
More details - 0.10%APY$5 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal. Interest compounded annually on CDs over one year. Automatic renewal.
Offer: Penalty for early withdrawal.
Compounded annually · Effective Apr 1, 2024
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Orlando, FL metro
462 CDs at 40 banks and credit unions · checked Oct 6–22
- Typical
- 3.20%
- Top 10% from
- 4.05%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.50%
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Orlando, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Climate First BankBank · 3 branches
- Suncoast Credit UnionCredit union · 4 branches
- Unity of Eatonville FCUCredit union · 1 branch